Residential Mortgage Relationship Manager

Renasant Bank; Savannah (GA); On-site; USD 55,000 - 85,000; Full time

Job summary

Renasant Bank, Savannah, GA, is seeking a Mortgage Banker to establish and nurture relationships with branch managers, Realtors, and builders to generate production of 1–4 family residential loans. You will serve as the facilitator of the mortgage loan process and coordinate loan production across the service area.

The role requires educating branch staff on conforming, FHA/VA loan products and regulatory requirements, while counseling borrowers on suitable options and gathering documentation

Qualifications

• High School diploma or equivalent required.
• Ability to originate 1-4 family residential mortgage products.
• Thorough knowledge of FHLMC/FNMA, FHA, VA, and other general mortgage banking lending procedures and requirements.
• Ability to communicate verbally and in writing and to deal cordially with the public.
• Ability to organize time effectively.
• Ability to learn and comprehend regulatory directives and procedures in a short period of time.
• Ability to represent Renasant Bank in a professional manner projecting the image of "Customer Focused Banking".
• Ability to work independently and make decisions following state and federal regulatory guidelines.
• Must have a reliable means of transportation to facilitate responsibilities.

Responsibilities

• Originate all types of 1-4 family residential loans.
• Maintain written goals that are created in conjunction with the Mortgage Banking Department.
• Coordinate loan production throughout assigned service area.
• Maintain prescribed system status report of all loan cases in process.
• Report monthly on the calls made to banks, realtors, and builders.
• Communicate with the Mortgage Banking department in order to clarify program changes or updates to branch personnel throughout assigned service area.
• Counsel and communicate with the prospective borrower for the purpose of determining what loan products would be applicable.
• Schedule appointments to take applications at a location (home, branch office, or work location) convenient to the customer, and work with the customer in the completion of an accurate application and acquisition of supporting documentation.
• Gather additional information required for the closing of the mortgage which is requested by the Mortgage Banking Department in a timely manner and maintain a status report of all loans in process.
• Assist customer with closing contingencies
• Prepare Good Faith Estimate and Truth-In-Lending within 72 hours from date of application on all applications taken
• Provide the Realtor (if applicable) with a weekly written review on the progress of the loan
• Educate and update branch personnel throughout immediate service area on identification of conforming loan requirements and how to answer customer inquiries
• Establish rapport with the local real estate community and update regularly on programs available by calling on realtors, builders, and attorneys that have an existing relationship with Renasant Bank for the solicitation of the origination of mortgage loans and to determine product needs and coordinate these needs with supervisor
• Survey local market areas regularly
• Establish priority accounts (realtors, builders, title companies, etc.) and visit respective offices at least once a week
• Conduct seminars for local realtors and new associates on different aspects of lending; i.e., conventional, FHA/VA, ARM's, CRA
• Become active in local affiliations relative to mortgage loan production; i.e., Board of Realtors, Home Builders Association
• Perform all duties in compliance with state and federal regulations and internal policies and procedures as is applicable to the responsibilities of the position
• Attend production meetings as designated by management
• Maintain licenses and certifications, if applicable
• Work independently in an outside sales setting which requires reliable transportation
• Perform other related duties as assigned

Skills

Originate loans

Communication skills

Time management

Independent work

Customer focus

Education

High School diploma

Job description

Renasant Bank, Savannah, GA, is seeking a Mortgage Banker to establish and nurture relationships with branch managers, Realtors, and builders to generate production of 1–4 family residential loans. You will serve as the facilitator of the mortgage loan process and coordinate loan production across the service area.

The role requires educating branch staff on conforming, FHA/VA loan products and regulatory requirements, while counseling borrowers on suitable options and gathering documentation